I acknowledge and agree to the conditions of the ContractI am informed that, Alpha reserves the right to apply to relevant law enforcement agencies, if I provide Alpha with consciously incorrect information regarding the windscreen upon application for insurance period in order ro unlawfully get benefits of this insurance.

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TERMS AND CONDITIONS OF MOTOR THIRD PARTY LIABILITY INSURANCE

PREAMBLE

These Terms / Contract refer to customers participating in a joint action of JSC "Insurance Company Alpha" and JSC "Goodwill". Within the scope of the above-mentioned action, in case of purchase certain value of goods, a special voucher shall be handed to the customer. In case of activation of this voucher, he/she will be presented motor vehicle owner’s Third Party Liability 2 months insurance as a gift from "Alpha" under the terms and condition of the present Contract.

1. Definition of terms:

Insurer - JSC “Insurance company Alpha”.

Policyholder – owner (natural person) of motor vehicle, who is insured under the present contract of Third Party Liability Insurance.

Beneficiary – natural or legal person, who in compliance with the present contract is authorized to receive the Insurance Compensation.

Application – electronic application filled by the Policyholder on the Insurers website. The application is an integral part of the Contract.

Certificate of Insurance (hereinafter – Policy) – documentary evidence of the insurance contract issued under the present contract. The Policy shall form an integral part of the Contract.

Motor vehicle – Light motor vehicle indicated in the Policy, which is in the legal possession of the Policyholder

Owner of Motor vehicle – any natural person, who is owner or possesses motor vehicle lawfully.

Insurance Period - the period, defined under the present contract/Policy, during which the Insurance is valid.

Amount of Insurance (Limit) – maximum limit of compensation – 5 000 (five thousand) GEL, with which the Insurer is obliged to pay the Insurance Compensation under the present contract. Amount of Insurance will be reduce with compensation paid by Insurer.

Insurance Compensation – amount or service, which is transferred to the Beneficiary under the present contract.

Motor vehicle accident – event caused in a result of motor vehicles exploitation and its direct participation during which motor vehicle, cargo, building were damaged or person was injured or killed. The event must be confirmed by “Ministry of Internal Affair”.

Authorized driver – Policyholder or any driver under the permission/ agreement of Policyholder. Authorized driver must be:

· Female: no less than 23 years old and not more than 65 years old and have a valid driving license and at least one year experience;

· Male: no less than 25 years old and not more than 65 years old and have a valid driving license and at least one year experience;

Note: driver, as the authorized driver’s status, under the present contract, is determined during regulation of damage.

Third party ­– person, who is not part of the contract or has not contractual / business relationship with Policyholder, Person who is not driver or passenger of motor vehicle during drive or getting on/off.

Injured Third Party - Person, who is considered as injured because of the motor vehicle accident under the obligations caused by the damage based on Georgian Legislation, also his/her heirs or successors in interest.

Conditions of Insurance – conditions under the present contract, which determine content of the Insurance Compensation and its implementation rules.

Territorial Scope – Georgia, excluding occupied territories.

2. Subject matter of the insurance. Scope of compensation

2.1. Subject matter of the Insurance under the present contract is the property interests of Policyholder to compensate damage toward third party health, life or/and property. Insurer provides the owner of motor vehicle with third party liability insurance, if the damage caused by the Policyholder toward a third party as a result of motor vehicles exploitation and its direct participation in a motor vehicle accident. Damage includes:

a) Death or health damage of third party;

b) Damage/destruction to third party property.

2.2. Insurer will compensate amount of money in scope of Insurance amount under the present contract and Policy:

a) which shall be paid by the “Policyholder” under the final decision of judge or/and authorized driver for the damage caused by the authorized driver toward a third party (Parties) as a result of motor vehicle (indicated in the Policy) exploitation and its direct participation.

Or,

b) Which will be settled between Policyholder, Insurer and damaged third party and damaged third party will prove in written form that after receiving agreed amount/service/property will not assert any kind pretensions against Insurer, Policyholder or authorized driver.

2.3. Amount of Insurance/ limit is GEL 5 000 ( five thousand).

2.4. Policy is issued under the present contract. The present contract, electronic application and Policy issued under the present contract is the one whole agreement between the parties.

3. Rights and obligations of the Parties

3.1. Policyholder/authorized driver is obliged:

3.1.1. To provide the Insurer with the authentic information, which has impact on the quality and type of Insurance risk before receiving Policy as well as during its validity period.

3.1.2. Take every necessary and essential measures to avoid or reduce prospective damages.

3.1.3. Immediately inform the Insurer about the change of the owner, exploitation, purposes of usage or any other changes.

3.1.4. At the moment of Insurance Event:

-Immediately inform the competent authority (Patrol Police Department) and Information Service of Insurer (hotline number: +995 32 2 640 640) no later than 24 hours after Insurance event (taking into account good cause) and no later than 4 (four) calendar days submit to the Insurer written application about occurrence of the damage.

If the Policyholder violate the terms, the Insurer shall not consider a claim about Insurance compensation, telephone notification about the occurrence of the damage acknowledge incomplete and shall not pay Insurance compensation. Moreover, Policyholder have to indicate good cause of violation the terms of telephone notification in the written notification.

-Keep the place of accident in the original state, before the visual examination and photography, except, when it is impossible because of good cause.

3.1.5. Within the period indicated in the contract, provide the Insurer with the following documents:

c) Document (documents), which proves the fact of acute alcoholism check (In case of Insurers request, document, which proves that the authorized driver is not under the impact of drugs/toxic/psychotropic substances);

d) Every documents connected to the traffic accident;

e) ID card and contract information of the injured third Party, every document and information connected to the injured property and/or health;

f) Any other documents connected to the Insurance Event, in case of Insurers request.

3.1.6. If the Policyholder does not provide the Insurer with the necessary documents under the present contact during 1 (one) month, the Insurer shall acknowledge the announcement/ application incompletely and shall not pay the Insurance Compensation. Except for the fact when the relevant authority investigates or there is the trial process in connection with the fact of damages and it was impossible to fulfill the obligations under that paragraph by the Policyholder.

3.1.7. Immediately inform the Insurer about the claim from the Third Party.

3.1.8. Shall not confess his/her own responsibility and shall not promise compensation without written agreement from the Insurer.

3.2. The Policyholder is entitled to:

3.2.1. To require the Insurer fulfill the obligations under the present contract.

3.2.2. To require expertize on its own expenses.

3.3. The insurer is obliged:

3.3.1. Receive and consider the application about damage.

3.3.2. Define amount of Insurance (except when the amount of Insurance shall be defined by court) and compose regulation act or issue motivated refusal to compensate for losses in 10 (ten) working days from the receiving every necessary documentations indicated in the present contract. The terms may be increased under the reasonable demand of the Insurer, no more than 3 (tree) working days, except additional expertise or/and investigation and the term will be increased until compliant of the expertise or/and investigation.

3.3.3. Pay the Insurance Compensation in 10 (ten) working days after the signature on the Regulation Act under the conditions of the present contract.

3.4. The insurer is entitled to:

3.4.1 Send the relevant questions / statements in the competent bodies for the purpose of obtaining documentation;

3.4.2 Check the place of event, participate in determining the causes of the event (damage) and assessing the damage size; Demand promotion to policyholder;

3.4.3. If necessary, conduct the expertise;

3.4.4 With the consent of the policyholder, on his/her behalf, to assume an obligation to protect his/her rights in any instance court and / or administrative body and receive appropriate documentation and authorization for this purpose.

3.4.5. To delay payment of compensation if:

A) Expertise is conducted to determine the reasons / circumstances of event and the amount of damage; In addition, the term of payment of insurance compensation increases with the period required for expertise;

B) In connection with the case, a criminal case is instituted against the policyholder / beneficiary - until the completion of investigation;

C) In connection with the case, a judicial dispute is proceeding before the judicial decision taken by the court entries into legal force.

3.4.6. The insurer is entitled not to pay the insurance compensation if policyholder will not submit necessary documents defined by the contract for settlement of damage within 1 (one) month from the date of event. Or the third party did not apply to the insurer for the compensation within the same period.

3.4.7. Without an additional agreement with the policyholder, receive information related to the insurance event and information about the offense committed in the field of traffic movement and road-traffic accidents, from relevant institutions or other third parties. Also, submit medical and financial documentation required to issue the insurance compensation, from any medical institution.

3.4.8. Other authorities of the insurer are determined by the legislation of Georgia.

4. Determining the amount of damage and issuing insurance compensation

4.1. Insurance compensation will be paid after the following will be done:

4.1.1. Determining the amount of damage and the fact of insurance event;

4.1.2. Determining the form and amount of compensation;

4.1.3. Draw up a regulation act and its signature by the parties.

4.2. The amount of insurance compensation is determined within the insurance amount, excluding residual value of property, as well as excluding other funds (if it exists) provided by the contract.

4.3. If the total amount of liability imposed on the policyholder exceeds the insurance amount defined by the policy, as a result of one event, compensation for each party will be paid proportionally according to the share of each loss in full loss, within the insurance amount defined by the policy.

4.4. Any expense / amount related to the insurance event shall be issued only with a preliminary written agreement with the insurer.

4.5. Insurance amount per one or several insurance events that occurred towards the object of insurance, during the validity period of insurance, reduces with the amount paid by the insurer, before the full completion of the insurance amount.

4.6. If the insurance event, provided by this contract, is insured by policyholder with several insurers, the insurer will pay the loss proportionally to the ratio of the insurance amount (provided by the contract) to total insurance amount (all policies).

4.7. The compensation amount is calculated by taking into consideration the provisions of the present article, as well as the following principle (except when the compensation amount is determined by the Court of Georgia):

4.7.1. In case of damage to property of a third party:

A) In case of full destruction of property – according to restoration (alternate) value or real market value at the moment of the occurrence of event, within the insurance amount / limit;

B) In case of damage of property – according to restoration (alternate) value of damaged property or its part, within the insurance amount / limit;

4.7.2. In case of third party’s death or health damage, within the insurance amount / limit:

5.1.3. Insured motor vehicle was driven by an unauthorized driver during the event or insured vehicle is used as taxi, mini-bus or motor vehicle is rented / leased unless otherwise indicated in the insurance policy;

5.1.4. The authorized driver drives the insured vehicle without the driving right (including during the temporary restriction / seizure of the driving right;

5.1.5. The authorized driver refused to conduct a relevant test to determine his/her condition and / or was not presented to the insurer the medical examination deed or confirmation document of alcohol checking test for determining the fact of influence of alcohol and / or narcotic;

5.1.7. Third party property, which is under the supervision of the policyholder / authorized driver (For example, the freight of the third person placed in motor vehicle);

5.1.8. Insured motor transport is overloaded, the number of passengers exceeds the permissible limit or is used in unsuitable road conditions (The motor transport is used in places not for the movement of motor vehicles; For example: insured motor vehicles are used in prohibited areas of airports or flying grounds (Damage to the third party will not be subject to compensation if the event occurred in flying ground));

5.1.9. Insured motor vehicles are used for speed in the competition or rescue service;

5.1.18. Insured motor transport is wanted and / or its features do not match the relevant characteristics of its VIN code;

5.1.19. When the policyholder / authorized driver or his representative fails to perform any obligations under the present contract;

5.1.20. In other cases provided by the legislation of Georgia and the present contract;

Falsification: If the policyholder or beneficiary will falsify or try to falsify the insurance event (Or any related detail) by some way, the insurer is entitled not to compensate the appropriate loss. This condition applies also to the cases when the policyholder / beneficiary consciously increases the amount of loss or provide the insurer with false information.

5.2. Under the present contract, in any case, no loss will be paid if the damage is caused by the following reasons:

5.2.1. War, conquer, war actions (whether or not the war was declared), civil war, rebellion, revolution, state coup and public disturbances;

6.1. If the Insurance Event, which should be compensated under the Contract, is also insured by other Policy, the “Insurer” shall pay for the loss proportionally.

7. Period of Insurance and termination of the Contract

7.1. Insurance under the present contract shall become effective upon the next day after the activation of the Insurance on the Insurer’s portal and after the electronic agreement of the present contract/conditions by the Policyholder and shall be valid by 2 (two) month.

7.2. The validity of the present contract is determining under the validity of the Insurance Policy.

7.3. The bases for early termination of the present Contract may be:

7.3.1. Written Agreement between the Parties.

7.3.2. Written notification prepared no less than 10 (ten) day earlier by the one party for another party.

7.3.3. Transfer of the insured motor vehicle by the Policyholder.

8. Force-majeure

8.1 Unless the present contract otherwise requires, the “parties” will be free from the responsibility for partial or complete non-fulfilment of their obligations were caused by force-majeure circumstances. (War, military exercises, diversion, acts and actions of the state bodies entered into force, and other events, which in spite of desire of the Parties block and/or become impossible to fulfill the obligations of the “Parties”).

8.2. The “Party” to whom it becomes impossible to fulfill its obligations for force-majeure, is obliged to inform another “Party” about it in two working days after force-majeure or after receiving information about force-majeure. If force-majeure event persist more than one month and delaying the execution of this Contract leads to the loss of interest of the “Parties”, than the “Parties” will agree about the termination or prolongation of the Contract.

9. Dispute resolution, Compensation for the damage

9.1. In case of claim against the insurer, acceptance, consideration and regulation of the claim is available on the official web-page of Insurer: www.alpha.ge, under ,,the Procedure of acceptance, consideration and regulation of Customer’s claims’’. Claim of Policyholder submitted to the Customers Claims Review Division, with the following form:

9.1.1. Claim/dissatisfaction in written (material) form, as a rule, should be submitted as a statement of claim, or other non-standard application form, with the indication of customer’s contact details (Telephone, e-mail), on the Insurer’s address: N16 Al. Kazbegi Street, Tbilisi. The maximum time of response is 30 (thirty) calendar days after receiving claim/dissatisfaction.

9.1.2. Claim/dissatisfaction in Electronic form, as a rule, should be submitted as a statement of claim, or other non-standard application form on the following electronic address - ask@alpha.ge. The maximum time of response is 30 (thirty) calendar days after receiving claim/dissatisfaction.

9.2. In case of dispute between the Parties about the performance of the present contract, the Parties apply to “Insurance Mediation” of “Georgian Insurance Association” for settlement by the hotline: 2 555 555, via Email Address: mediacia@insurance.org.ge .

9.4. If any dispute between Parties shall not be settled by the mutual agreements, it shall be settled in accordance with Georgian legislation through court action.

10. Conclusion provision

10.1. Any changes and/or addition to the Contract shall be made by the “Parties” basic on written agreement.

10.2. The Policyholder under the present contract gives the Insurer the authority, carry out his/her personal date at its discretion without additional consent from the Policyholder and authorized driver. And if necessary, the transfer of date indicated in this paragraph to public or private institutions / organizations of Georgia as well as other states. Obtain any information / documentation from any private or public institution / organization about the Policyholder, which can be directly or indirectly connected to the obligations of the parties under the present insurance contract, the insurance event and / or the amount of damages. On its hand, Insurer approves, that the consent is received from the authorized driver.

10.3. Official relationship between the Parties shall be executed in writing form, unless otherwise provided by the present contract. The written notification shall be sent personally or by courier (including international courier), or by parcel post (including, Insured letter). Parties are concluded that notification shall be sent through text messages (SMS) on the telephone number indicated by the Policyholder. Notification sent through the text messages is considered as appropriate form.

10.4. If a contract for the benefit of a Third Party is concluded, the consent form that Third Party (Parties) must be required: a) Consent about conclusion of the contract and Insurance for the benefit of him/her/them and b) fully and without restriction exercise with the rights under the present contract.

10.5. In cases not defined by this Contract, the Parties will be guided by the applicable legislation of Georgia.

10.6. If any point of the Contract will become invalid, it does not mean an invalidity of full Contract.

For the further information contact to the Information Service of “Insurance Company Alpha”- 032 2 640 640;

The present contract/conditions is valid with the application and Insurance Policy.

· Insured motor vehicle was driven by an unauthorized driver during the event or insured vehicle is used as taxi, mini-bus or motor vehicle is rented / leased unless otherwise indicated in the insurance policy;

· The authorized driver drives the insured vehicle without the driving right (including during the temporary restriction / seizure of the driving right;

· The authorized driver refused to conduct a relevant test to determine his/her condition and / or was not presented to the insurer the medical examination deed or confirmation document of alcohol checking test for determining the fact of influence of alcohol and / or narcotic;

· The event occurred outside the scope of insurance coverage area;

· Third party property, which is under the supervision of the policyholder / authorized driver (For example, the freight of the third person placed in motor vehicle);

· Insured motor transport is overloaded, the number of passengers exceeds the permissible limit or is used in unsuitable road conditions (The motor transport is used in places not for the movement of motor vehicles; For example: insured motor vehicles are used in prohibited areas of airports or flying grounds (Damage to the third party will not be subject to compensation if the event occurred in flying ground));

· Insured motor vehicles are used for speed in the competition or rescue service;

· Insured motor transport is wanted and / or its features do not match the relevant characteristics of its VIN code;

· When the policyholder / authorized driver or his representative fails to perform any obligations under the present contract;

· In other cases provided by the legislation of Georgia and the present contract;

· Falsification: If the policyholder or beneficiary will falsify or try to falsify the insurance event (Or any related detail) by some way, the insurer is entitled not to compensate the appropriate loss. This condition applies also to the cases when the policyholder / beneficiary consciously increases the amount of loss or provide the insurer with false information.

· Under the present contract, in any case, no loss will be paid if the damage is caused by the following reasons:

· War, conquer, war actions (whether or not the war was declared), civil war, rebellion, revolution, state coup and public disturbances;

· Written notification prepared no less than 10 (ten) day earlier by the one party for another party.

· Transfer of the insured motor vehicle by the Policyholder.

10. Claims and disputes:

10.1. In case of claim against the insurer, acceptance, consideration and regulation of the claim is available on the official web-page of Insurer: www.alpha.ge, under ,,the Procedure of acceptance, consideration and regulation of Customer’s claims’’. Claim of Policyholder submitted to the Customers Claims Review Division, with the following form:

10.1.1. Claim/dissatisfaction in written (material) form, as a rule, should be submitted as a statement of claim, or other non-standard application form, with the indication of customer’s contact details (Telephone, e-mail), on the Insurer’s address: N16 Al. Kazbegi Street, Tbilisi. The maximum time of response is 30 (thirty) calendar days after receiving claim/dissatisfaction.

10.1.2. Claim/dissatisfaction in Electronic form, as a rule, should be submitted as a statement of claim, or other non-standard application form on the following electronic address - ask@alpha.ge. The maximum time of response is 30 (thirty) calendar days after receiving claim/dissatisfaction.

10.2. In case of dispute between the Parties about the performance of the present contract, the Parties apply to “Insurance Mediation” of “Georgian Insurance Association” for settlement by the hotline: 2 555 555, via Email Address: mediacia@insurance.org.ge .

These Terms / Contract refer to customers participating in a joint action of JSC "Insurance Company Alpha" and JSC "Goodwill". Within the scope of the above-mentioned action, in case of purchase certain value of goods, a special voucher shall be handed to the customer. In case of activation of this voucher, he/she will be presented motor vehicle owner’s Third Party Liability 2 months insurance as a gift from "Alpha" under the terms and condition of the present Contract.

1. Definition of terms:

Insurer - JSC “Insurance company Alpha”.

Policyholder – owner (natural person) of motor vehicle, who is insured under the present contract of Third Party Liability Insurance.

Beneficiary – natural or legal person, who in compliance with the present contract is authorized to receive the Insurance Compensation.

Application – electronic application filled by the Policyholder on the Insurers website. The application is an integral part of the Contract.

Certificate of Insurance (hereinafter – Policy) – documentary evidence of the insurance contract issued under the present contract. The Policy shall form an integral part of the Contract.

Motor vehicle – Light motor vehicle indicated in the Policy, which is in the legal possession of the Policyholder

Owner of Motor vehicle – any natural person, who is owner or possesses motor vehicle lawfully.

Insurance Period - the period, defined under the present contract/Policy, during which the Insurance is valid.

Amount of Insurance (Limit) – maximum limit of compensation – 5 000 (five thousand) GEL, with which the Insurer is obliged to pay the Insurance Compensation under the present contract. Amount of Insurance will be reduce with compensation paid by Insurer.

Insurance Compensation – amount or service, which is transferred to the Beneficiary under the present contract.

Motor vehicle accident – event caused in a result of motor vehicles exploitation and its direct participation during which motor vehicle, cargo, building were damaged or person was injured or killed. The event must be confirmed by “Ministry of Internal Affair”.

Authorized driver – Policyholder or any driver under the permission/ agreement of Policyholder. Authorized driver must be:

· Female: no less than 23 years old and not more than 65 years old and have a valid driving license and at least one year experience;

· Male: no less than 25 years old and not more than 65 years old and have a valid driving license and at least one year experience;

Note: driver, as the authorized driver’s status, under the present contract, is determined during regulation of damage.

Third party ­– person, who is not part of the contract or has not contractual / business relationship with Policyholder, Person who is not driver or passenger of motor vehicle during drive or getting on/off.

Injured Third Party - Person, who is considered as injured because of the motor vehicle accident under the obligations caused by the damage based on Georgian Legislation, also his/her heirs or successors in interest.

Conditions of Insurance – conditions under the present contract, which determine content of the Insurance Compensation and its implementation rules.

Territorial Scope – Georgia, excluding occupied territories.

2. Subject matter of the insurance. Scope of compensation

2.1. Subject matter of the Insurance under the present contract is the property interests of Policyholder to compensate damage toward third party health, life or/and property. Insurer provides the owner of motor vehicle with third party liability insurance, if the damage caused by the Policyholder toward a third party as a result of motor vehicles exploitation and its direct participation in a motor vehicle accident. Damage includes:

a) Death or health damage of third party;

b) Damage/destruction to third party property.

2.2. Insurer will compensate amount of money in scope of Insurance amount under the present contract and Policy:

a) which shall be paid by the “Policyholder” under the final decision of judge or/and authorized driver for the damage caused by the authorized driver toward a third party (Parties) as a result of motor vehicle (indicated in the Policy) exploitation and its direct participation.

Or,

b) Which will be settled between Policyholder, Insurer and damaged third party and damaged third party will prove in written form that after receiving agreed amount/service/property will not assert any kind pretensions against Insurer, Policyholder or authorized driver.

2.3. Amount of Insurance/ limit is GEL 5 000 ( five thousand).

2.4. Policy is issued under the present contract. The present contract, electronic application and Policy issued under the present contract is the one whole agreement between the parties.

3. Rights and obligations of the Parties

3.1. Policyholder/authorized driver is obliged:

3.1.1. To provide the Insurer with the authentic information, which has impact on the quality and type of Insurance risk before receiving Policy as well as during its validity period.

3.1.2. Take every necessary and essential measures to avoid or reduce prospective damages.

3.1.3. Immediately inform the Insurer about the change of the owner, exploitation, purposes of usage or any other changes.

3.1.4. At the moment of Insurance Event:

-Immediately inform the competent authority (Patrol Police Department) and Information Service of Insurer (hotline number: +995 32 2 640 640) no later than 24 hours after Insurance event (taking into account good cause) and no later than 4 (four) calendar days submit to the Insurer written application about occurrence of the damage.

If the Policyholder violate the terms, the Insurer shall not consider a claim about Insurance compensation, telephone notification about the occurrence of the damage acknowledge incomplete and shall not pay Insurance compensation. Moreover, Policyholder have to indicate good cause of violation the terms of telephone notification in the written notification.

-Keep the place of accident in the original state, before the visual examination and photography, except, when it is impossible because of good cause.

3.1.5. Within the period indicated in the contract, provide the Insurer with the following documents:

c) Document (documents), which proves the fact of acute alcoholism check (In case of Insurers request, document, which proves that the authorized driver is not under the impact of drugs/toxic/psychotropic substances);

d) Every documents connected to the traffic accident;

e) ID card and contract information of the injured third Party, every document and information connected to the injured property and/or health;

f) Any other documents connected to the Insurance Event, in case of Insurers request.

3.1.6. If the Policyholder does not provide the Insurer with the necessary documents under the present contact during 1 (one) month, the Insurer shall acknowledge the announcement/ application incompletely and shall not pay the Insurance Compensation. Except for the fact when the relevant authority investigates or there is the trial process in connection with the fact of damages and it was impossible to fulfill the obligations under that paragraph by the Policyholder.

3.1.7. Immediately inform the Insurer about the claim from the Third Party.

3.1.8. Shall not confess his/her own responsibility and shall not promise compensation without written agreement from the Insurer.

3.2. The Policyholder is entitled to:

3.2.1. To require the Insurer fulfill the obligations under the present contract.

3.2.2. To require expertize on its own expenses.

3.3. The insurer is obliged:

3.3.1. Receive and consider the application about damage.

3.3.2. Define amount of Insurance (except when the amount of Insurance shall be defined by court) and compose regulation act or issue motivated refusal to compensate for losses in 10 (ten) working days from the receiving every necessary documentations indicated in the present contract. The terms may be increased under the reasonable demand of the Insurer, no more than 3 (tree) working days, except additional expertise or/and investigation and the term will be increased until compliant of the expertise or/and investigation.

3.3.3. Pay the Insurance Compensation in 10 (ten) working days after the signature on the Regulation Act under the conditions of the present contract.

3.4. The insurer is entitled to:

3.4.1 Send the relevant questions / statements in the competent bodies for the purpose of obtaining documentation;

3.4.2 Check the place of event, participate in determining the causes of the event (damage) and assessing the damage size; Demand promotion to policyholder;

3.4.3. If necessary, conduct the expertise;

3.4.4 With the consent of the policyholder, on his/her behalf, to assume an obligation to protect his/her rights in any instance court and / or administrative body and receive appropriate documentation and authorization for this purpose.

3.4.5. To delay payment of compensation if:

A) Expertise is conducted to determine the reasons / circumstances of event and the amount of damage; In addition, the term of payment of insurance compensation increases with the period required for expertise;

B) In connection with the case, a criminal case is instituted against the policyholder / beneficiary - until the completion of investigation;

C) In connection with the case, a judicial dispute is proceeding before the judicial decision taken by the court entries into legal force.

3.4.6. The insurer is entitled not to pay the insurance compensation if policyholder will not submit necessary documents defined by the contract for settlement of damage within 1 (one) month from the date of event. Or the third party did not apply to the insurer for the compensation within the same period.

3.4.7. Without an additional agreement with the policyholder, receive information related to the insurance event and information about the offense committed in the field of traffic movement and road-traffic accidents, from relevant institutions or other third parties. Also, submit medical and financial documentation required to issue the insurance compensation, from any medical institution.

3.4.8. Other authorities of the insurer are determined by the legislation of Georgia.

4. Determining the amount of damage and issuing insurance compensation

4.1. Insurance compensation will be paid after the following will be done:

4.1.1. Determining the amount of damage and the fact of insurance event;

4.1.2. Determining the form and amount of compensation;

4.1.3. Draw up a regulation act and its signature by the parties.

4.2. The amount of insurance compensation is determined within the insurance amount, excluding residual value of property, as well as excluding other funds (if it exists) provided by the contract.

4.3. If the total amount of liability imposed on the policyholder exceeds the insurance amount defined by the policy, as a result of one event, compensation for each party will be paid proportionally according to the share of each loss in full loss, within the insurance amount defined by the policy.

4.4. Any expense / amount related to the insurance event shall be issued only with a preliminary written agreement with the insurer.

4.5. Insurance amount per one or several insurance events that occurred towards the object of insurance, during the validity period of insurance, reduces with the amount paid by the insurer, before the full completion of the insurance amount.

4.6. If the insurance event, provided by this contract, is insured by policyholder with several insurers, the insurer will pay the loss proportionally to the ratio of the insurance amount (provided by the contract) to total insurance amount (all policies).

4.7. The compensation amount is calculated by taking into consideration the provisions of the present article, as well as the following principle (except when the compensation amount is determined by the Court of Georgia):

4.7.1. In case of damage to property of a third party:

A) In case of full destruction of property – according to restoration (alternate) value or real market value at the moment of the occurrence of event, within the insurance amount / limit;

B) In case of damage of property – according to restoration (alternate) value of damaged property or its part, within the insurance amount / limit;

4.7.2. In case of third party’s death or health damage, within the insurance amount / limit:

5.1.3. Insured motor vehicle was driven by an unauthorized driver during the event or insured vehicle is used as taxi, mini-bus or motor vehicle is rented / leased unless otherwise indicated in the insurance policy;

5.1.4. The authorized driver drives the insured vehicle without the driving right (including during the temporary restriction / seizure of the driving right;

5.1.5. The authorized driver refused to conduct a relevant test to determine his/her condition and / or was not presented to the insurer the medical examination deed or confirmation document of alcohol checking test for determining the fact of influence of alcohol and / or narcotic;

5.1.7. Third party property, which is under the supervision of the policyholder / authorized driver (For example, the freight of the third person placed in motor vehicle);

5.1.8. Insured motor transport is overloaded, the number of passengers exceeds the permissible limit or is used in unsuitable road conditions (The motor transport is used in places not for the movement of motor vehicles; For example: insured motor vehicles are used in prohibited areas of airports or flying grounds (Damage to the third party will not be subject to compensation if the event occurred in flying ground));

5.1.9. Insured motor vehicles are used for speed in the competition or rescue service;

5.1.18. Insured motor transport is wanted and / or its features do not match the relevant characteristics of its VIN code;

5.1.19. When the policyholder / authorized driver or his representative fails to perform any obligations under the present contract;

5.1.20. In other cases provided by the legislation of Georgia and the present contract;

Falsification: If the policyholder or beneficiary will falsify or try to falsify the insurance event (Or any related detail) by some way, the insurer is entitled not to compensate the appropriate loss. This condition applies also to the cases when the policyholder / beneficiary consciously increases the amount of loss or provide the insurer with false information.

5.2. Under the present contract, in any case, no loss will be paid if the damage is caused by the following reasons:

5.2.1. War, conquer, war actions (whether or not the war was declared), civil war, rebellion, revolution, state coup and public disturbances;

6.1. If the Insurance Event, which should be compensated under the Contract, is also insured by other Policy, the “Insurer” shall pay for the loss proportionally.

7. Period of Insurance and termination of the Contract

7.1. Insurance under the present contract shall become effective upon the next day after the activation of the Insurance on the Insurer’s portal and after the electronic agreement of the present contract/conditions by the Policyholder and shall be valid by 2 (two) month.

7.2. The validity of the present contract is determining under the validity of the Insurance Policy.

7.3. The bases for early termination of the present Contract may be:

7.3.1. Written Agreement between the Parties.

7.3.2. Written notification prepared no less than 10 (ten) day earlier by the one party for another party.

7.3.3. Transfer of the insured motor vehicle by the Policyholder.

8. Force-majeure

8.1 Unless the present contract otherwise requires, the “parties” will be free from the responsibility for partial or complete non-fulfilment of their obligations were caused by force-majeure circumstances. (War, military exercises, diversion, acts and actions of the state bodies entered into force, and other events, which in spite of desire of the Parties block and/or become impossible to fulfill the obligations of the “Parties”).

8.2. The “Party” to whom it becomes impossible to fulfill its obligations for force-majeure, is obliged to inform another “Party” about it in two working days after force-majeure or after receiving information about force-majeure. If force-majeure event persist more than one month and delaying the execution of this Contract leads to the loss of interest of the “Parties”, than the “Parties” will agree about the termination or prolongation of the Contract.

9. Dispute resolution, Compensation for the damage

9.1. In case of claim against the insurer, acceptance, consideration and regulation of the claim is available on the official web-page of Insurer: www.alpha.ge, under ,,the Procedure of acceptance, consideration and regulation of Customer’s claims’’. Claim of Policyholder submitted to the Customers Claims Review Division, with the following form:

9.1.1. Claim/dissatisfaction in written (material) form, as a rule, should be submitted as a statement of claim, or other non-standard application form, with the indication of customer’s contact details (Telephone, e-mail), on the Insurer’s address: N16 Al. Kazbegi Street, Tbilisi. The maximum time of response is 30 (thirty) calendar days after receiving claim/dissatisfaction.

9.1.2. Claim/dissatisfaction in Electronic form, as a rule, should be submitted as a statement of claim, or other non-standard application form on the following electronic address - ask@alpha.ge. The maximum time of response is 30 (thirty) calendar days after receiving claim/dissatisfaction.

9.2. In case of dispute between the Parties about the performance of the present contract, the Parties apply to “Insurance Mediation” of “Georgian Insurance Association” for settlement by the hotline: 2 555 555, via Email Address: mediacia@insurance.org.ge .

9.4. If any dispute between Parties shall not be settled by the mutual agreements, it shall be settled in accordance with Georgian legislation through court action.

10. Conclusion provision

10.1. Any changes and/or addition to the Contract shall be made by the “Parties” basic on written agreement.

10.2. The Policyholder under the present contract gives the Insurer the authority, carry out his/her personal date at its discretion without additional consent from the Policyholder and authorized driver. And if necessary, the transfer of date indicated in this paragraph to public or private institutions / organizations of Georgia as well as other states. Obtain any information / documentation from any private or public institution / organization about the Policyholder, which can be directly or indirectly connected to the obligations of the parties under the present insurance contract, the insurance event and / or the amount of damages. On its hand, Insurer approves, that the consent is received from the authorized driver.

10.3. Official relationship between the Parties shall be executed in writing form, unless otherwise provided by the present contract. The written notification shall be sent personally or by courier (including international courier), or by parcel post (including, Insured letter). Parties are concluded that notification shall be sent through text messages (SMS) on the telephone number indicated by the Policyholder. Notification sent through the text messages is considered as appropriate form.

10.4. If a contract for the benefit of a Third Party is concluded, the consent form that Third Party (Parties) must be required: a) Consent about conclusion of the contract and Insurance for the benefit of him/her/them and b) fully and without restriction exercise with the rights under the present contract.

10.5. In cases not defined by this Contract, the Parties will be guided by the applicable legislation of Georgia.

10.6. If any point of the Contract will become invalid, it does not mean an invalidity of full Contract.

For the further information contact to the Information Service of “Insurance Company Alpha”- 032 2 640 640;

The present contract/conditions is valid with the application and Insurance Policy.

· Insured motor vehicle was driven by an unauthorized driver during the event or insured vehicle is used as taxi, mini-bus or motor vehicle is rented / leased unless otherwise indicated in the insurance policy;

· The authorized driver drives the insured vehicle without the driving right (including during the temporary restriction / seizure of the driving right;

· The authorized driver refused to conduct a relevant test to determine his/her condition and / or was not presented to the insurer the medical examination deed or confirmation document of alcohol checking test for determining the fact of influence of alcohol and / or narcotic;

· The event occurred outside the scope of insurance coverage area;

· Third party property, which is under the supervision of the policyholder / authorized driver (For example, the freight of the third person placed in motor vehicle);

· Insured motor transport is overloaded, the number of passengers exceeds the permissible limit or is used in unsuitable road conditions (The motor transport is used in places not for the movement of motor vehicles; For example: insured motor vehicles are used in prohibited areas of airports or flying grounds (Damage to the third party will not be subject to compensation if the event occurred in flying ground));

· Insured motor vehicles are used for speed in the competition or rescue service;

· Insured motor transport is wanted and / or its features do not match the relevant characteristics of its VIN code;

· When the policyholder / authorized driver or his representative fails to perform any obligations under the present contract;

· In other cases provided by the legislation of Georgia and the present contract;

· Falsification: If the policyholder or beneficiary will falsify or try to falsify the insurance event (Or any related detail) by some way, the insurer is entitled not to compensate the appropriate loss. This condition applies also to the cases when the policyholder / beneficiary consciously increases the amount of loss or provide the insurer with false information.

· Under the present contract, in any case, no loss will be paid if the damage is caused by the following reasons:

· War, conquer, war actions (whether or not the war was declared), civil war, rebellion, revolution, state coup and public disturbances;

· Written notification prepared no less than 10 (ten) day earlier by the one party for another party.

· Transfer of the insured motor vehicle by the Policyholder.

10. Claims and disputes:

10.1. In case of claim against the insurer, acceptance, consideration and regulation of the claim is available on the official web-page of Insurer: www.alpha.ge, under ,,the Procedure of acceptance, consideration and regulation of Customer’s claims’’. Claim of Policyholder submitted to the Customers Claims Review Division, with the following form:

10.1.1. Claim/dissatisfaction in written (material) form, as a rule, should be submitted as a statement of claim, or other non-standard application form, with the indication of customer’s contact details (Telephone, e-mail), on the Insurer’s address: N16 Al. Kazbegi Street, Tbilisi. The maximum time of response is 30 (thirty) calendar days after receiving claim/dissatisfaction.

10.1.2. Claim/dissatisfaction in Electronic form, as a rule, should be submitted as a statement of claim, or other non-standard application form on the following electronic address - ask@alpha.ge. The maximum time of response is 30 (thirty) calendar days after receiving claim/dissatisfaction.

10.2. In case of dispute between the Parties about the performance of the present contract, the Parties apply to “Insurance Mediation” of “Georgian Insurance Association” for settlement by the hotline: 2 555 555, via Email Address: mediacia@insurance.org.ge .

1. Fraud, i.e. taking property of another person or obtaining of title to the property by deceit for its unlawful appropriation, - shall be punished by a fine or community service from 170 to 200 hours or with corrective labor for a term of two years or with internal imprisonment for a term of one to two years or/and with imprisonment for a term of two to four years.

I agree with the condition

Alpha’s extra surprise for all Insured:

3 GEL discount for car wash to our partner’s;

20% discount for every service and goods, excluding tires, to Vianor’s branches.

15% discount for tires.

For using discount is enough to present sms from your mobile number about Policy registration.

Alpha’s extra surprise for all Insured:

3 GEL discount for car wash to our partner’s;

20% discount for every service and goods, excluding tires, to Vianor’s branches.

15% discount for tires.

For using discount is enough to present sms from your mobile number about Policy registration.